Fair point, appreciate your digging out the source. Interpretation of survey responses is ... challenging.

The question works well to answer the question "what sources of emergency financing do you have access to?" It's less well-structured to answer "could you pay for an emergency expense without either selling off nonfinancial assets or incurring long-term usurious debt".

Since multiple selections apply, adding percentages isn't applicable. Though 50% of respondents do mention paying with current cash savings --- that could apply to all or part of an expense.

I do read "unable" and "by selling something" as mutually exclusive, which suggests a 20% portion of the population at least who'd be severely stressed by such an incident.